One evening on 1 July, Yvonne finished work, stopped by the supermarket, and fell on her way home — an ordinary day, nowhere near her workplace. She wasn’t on duty, so you might assume PERKESO had nothing to do with it. In fact, because she was covered under LINDUNG 24 Jam (SKBBK), PERKESO stepped in. Here is exactly what the scheme paid her, and how each figure is worked out — a real look at what your 0.75% contribution actually buys.

What Is LINDUNG 24 Jam (SKBBK)?

SKBBK — Skim Kemalangan Bukan Bencana Kerja, branded LINDUNG 24 Jam — extends PERKESO protection to accidents that happen outside work, giving covered employees round-the-clock (24/7) cover on top of the traditional employment-injury scheme. It started in June 2026, and in its first phase the contribution is 0.75% of monthly wages. An everyday mishap like Yvonne’s — a fall on the way home — is exactly the kind of non-work accident it was built for. (For the background, see our guides on LINDUNG Pekerja PERKESO and the 2026 SKBBK contribution rates.)

Yvonne’s Situation

PERKESO uses Yvonne’s case in its Lindung Pekerja awareness campaign to show how the benefits are calculated. Her profile:

Two benefits come into play: one while she is recovering, and one if she is left with a permanent disability.

Benefit 1: Temporary Disablement Benefit (FHUS)

The Faedah Hilang Upaya Sementara (FHUS) is a daily allowance paid while an injured worker is on medical leave and temporarily unable to work (minimum 4 days’ MC). Under LINDUNG 24 Jam Phase 1, it is paid at 48% of the daily wage:

• Daily allowance: 48% × RM91.67 = RM44 per day
• Recovery period in this example: up to 180 days
• Total: RM44 × 180 = RM7,920

So during her recovery, Yvonne receives up to RM7,920 in sick-leave allowance — income support at the very time she can’t earn.

Benefit 2: Permanent Disablement Benefit (FHUK)

If the injury leaves Yvonne with a permanent disability, the Faedah Hilang Upaya Kekal (FHUK) applies. A PERKESO medical board (Jemaah Doktor) assesses the degree of permanent disablement as a percentage, and the payout is built from three things — that percentage, a wage-based daily rate, and an age factor:

Even a 5% assessment produces a lump sum of RM11,105.33.

The Full Picture

Why Age Makes Such a Difference

It can seem odd that a 5% assessment produces over RM11,000. The reason is the age factor. A permanent-disablement lump sum isn’t just a few days’ wages — it’s the daily rate projected across the worker’s expected remaining working life. Yvonne is only 32, so she has decades of earning capacity ahead, which is why her factor (4,487) is large. The same injury assessed on an older worker would carry a smaller factor, and a smaller lump sum. That’s how a daily figure of RM2.475 becomes a five-figure payout.

Lump Sum or Pension?

Within the PERKESO framework, a lower assessed percentage of permanent disablement is generally commuted into a one-off lump sum — as in Yvonne’s case — while a higher degree of disablement is paid as a monthly pension. The exact treatment follows PERKESO’s rules for the assessed percentage.

And If the Worst Happens

LINDUNG 24 Jam doesn’t stop at the worker. If a covered employee dies as a result of the accident, their dependants receive the Dependants’ Benefit (Faedah Orang Tanggungan) — ongoing support for the family left behind. It’s the same principle running through the whole scheme: protection that follows the worker around the clock, and reaches their family when it has to. (For the complete list, see our guide to the 8 LINDUNG 24 Jam benefits.)

What This Means for Employers

Yvonne’s story is the clearest answer to the question every employer asks about SKBBK: what are we actually paying for? For the cost of a few ringgit a month per worker, your staff get 24/7 protection that can pay out nearly RM8,000 in income support during recovery, a five-figure lump sum for a permanent injury, and a safety net for their family. That 0.75% isn’t a cost to minimise — it’s protection your team is counting on, and a genuine part of your employee value proposition. (See our breakdown of whether the 0.75% is really worth it.)

Where Pandahrms Helps

SKBBK only protects an employee if the contribution is actually made — correctly, and on time. Pandahrms calculates the LINDUNG 24 Jam (SKBBK) contribution automatically alongside SOCSO and EIS, includes it in the combined PERKESO contribution file for ASSIST, and keeps the rate current whenever PERKESO updates it. So your employees’ 24/7 coverage never lapses because of a missed or miscalculated contribution — the protection is there the day they need it.

Final Thoughts

A fall on the way home from the supermarket turned into RM7,920 during recovery and a potential RM11,105.33 lump sum — because Yvonne’s employer kept up a 0.75% contribution. That’s what LINDUNG 24 Jam really is: a small, steady deduction that becomes real money at the worst possible moment. Make sure your contributions are accurate and never missed, and your team is genuinely covered — around the clock.

Frequently Asked Questions (FAQs)

1. Does LINDUNG 24 Jam cover accidents outside work?
   Yes — that’s the whole point. SKBBK (Skim Kemalangan Bukan Bencana Kerja) provides 24/7 cover for non-work accidents, like Yvonne’s fall on the way home from the supermarket.
2. What is the Temporary Disablement Benefit (FHUS)?
   A daily allowance paid while an injured worker is on medical leave and temporarily unable to work. In Yvonne’s example it’s 48% of her daily wage (RM44/day) for up to 180 days, totalling RM7,920.
3. How is the Permanent Disablement Benefit (FHUK) calculated?
   From the disablement percentage certified by the medical board, a wage-based daily rate, and an age factor from the Act 1969 / Regulations 1971. For Yvonne: RM49.50 × 5% = RM2.475/day, then × 4,487 (age 32) = RM11,105.33.
4. Why does a low disablement percentage still pay thousands?
   Because of the age factor — the daily rate is projected over the worker’s remaining working life, so a younger worker’s lump sum is larger.
5. What does the employer need to do?
   Contribute the SKBBK (LINDUNG 24 Jam) amount correctly and on time through the PERKESO contribution file. The protection only applies if contributions are kept up to date — which a payroll system like Pandahrms handles automatically.

Source: Yvonne’s example is based on PERKESO’s Lindung Pekerja awareness campaign, as reported by Oriental Daily (东方日报).